When your Medicare Part A and Part B effective is important for you to know, so, that you can coordinate cancellation of your current insurance and enrollment into Medicare Health Plans. While most people will be automatically enrolled, those who are born on the 1st of the month, or those who enroll themselves can have earlier or later Medicare effective dates.
Like we said above, most people will be automatically enrolled into Medicare. If this is your story, you will receive your red, white, and blue card about three months before your birthday, and your coverage will begin on the 1st day of your birth month, unless your birthday lands on the 1st, then your coverage will begin on the 1st day of the prior month. An example of this is if you were born on May 1st, your Medicare coverage would start April 1. Now there are other exceptions that we’ll explain in our easy to read chart:
|When you sign up for Medicare:||When your Medicare will begin:|
|Automatically enrolled/signed up before your 65th birthday month||First day of your birth month; UNLESS|
|Automatically enrolled/signed up before 65th birthday month BUT your birthday falls on the 1st||Your coverage will start on the 1st day of month prior to your birthday|
|During the 1st month you turn 65||Medicare will start 1 month after you sign up|
|One month after you turn 65||Medicare will start 2 months after you sign up|
|2 months after you turn 65||Medicare will start 3 months after you sign up|
|3 months after you turn 65||Medicare will start 3 months after you sign up|
|After that time*, you can usually only apply during the General Election Period (1/1-3/31)||Medicare will start July 1st.|
*If you have a qualifying event to enroll in Part B after 65, you will be able to start Medicare right away, and not have to wait until the General Election Period.
Once you know when your Medicare effective date is, you’ll want to apply for Medicare Supplement (Medigap) before your Medicare effective date. This way there’s no gap in coverage. Call us at 800-930-7956, and we can help coordinate your dates.
Same applies as above. Once you learn your Original Medicare effective date, you’ll want to apply for Medicare Advantage prior to that date, so that you have the coverage you desire.
By Jim on September 19, 2017
I will be 65 on February 14th 2018. I would like to stop working mid January of 2018. My employer insurance would terminate January 31st 2018. If I sign up for Medicare part A and B to start February 1st 2018 would I be able to get Medigap coverage before starting February 1st or have to wait for March 1st 2018 which would be the 1st of the month after I turn 65? It seems odd you can be covered almost an entire month by Part A and B but cannot get valid supplimental insurance until the month after you turn 65.
By Karen on September 18, 2017
My husband turns 65 on November 19, 2017 and will be retiring on November 17, 2017. He will have medical insurance through his work through the end of November. He is planning to sign up for Social Security, and enroll in a Medicare Advantage plan, Medicare Part A and Part B, all to begin coverage on December 1. Can he enroll for SS online now and receive his Medicare card showing his A & B start date before he retires, even if he does not want to begin coverage for B and the Medicare Advantage plan now? A Medicare Advantage plan will not accept application without proof of A & B coverage, so if he doesn't have a card showing his A & B is in place for December 1, he may face a gap in coverage for drugs and the other things Medicare Advantage will cover. Thank you.
By Jerry on September 06, 2017
My wife will be 65 on September 17, 2017. She applied for and received her medicare card shortly after she applied in June of 2017. She went to the doctor today September 6, 2017 to get an EKG prior to surgery scheduled for next week. The doctor's nurse told her they could not do the procedure until her actual birthday of September 17. Is this correct?
By Sam on August 08, 2017
I have 2 questions. I will be 65 on January 1, 2018. Will my medicare become effective on December 1, 2017 and in what month should I expect to receive my medicare card in the mail? I already receive social security, so I assume from the information on this site that I will be automatically enrolled in medicare. Thanks.
By Lance on July 24, 2017
I have the same situation as Ron, June 12, 2017. In addition, I do not and will not receive Social Security before my birthday (i.e. I am not automatically enrolled). From your answer to Ron, is it the case then, that a November application will give me an effective date for Medicare Part A (as well as Part B) of January 1, 2018?
By Rina on July 24, 2017
I have been on Medicare. Part A only since I turned 65. I am now 75 years old and would like to apply for Medicare Part B. When can I apply? and how soon after application is accepted for Part B can I use it? Also, what is the total cost for Part B? Thank you!
By KC252 on July 24, 2017
I turn 66 on Feb 7, 2017. I am employed and currently have insurance through my employer. I would like to start Medicare A, B, D, and a medical plan on March 15 , 2018 for both my wife and myself (she is retired and does not receive Social Security). When would I need to sign up?
By Karin on July 19, 2017
I turn 65 on Nov 1, 2017. I just applied for medicare yesterday. Is my medicare start date Oct 1 or Nov 1 and when should I set my start date for supplemental medicare coverage and Part D?
By PJ on June 27, 2017
I enrolled for Medicare Part A and Part B online and received my Medicare card in the mail today. It indicates that my coverage will begin on September 1, 2017 (my 65th birthday is September 11, 2017). I am not eligible for SS benefits until I am 66, so the payment for Part B will not be coming out of an SS check. How do I pay for my Part B?
By joe on June 16, 2017
ive been on medical leave for 11 months im loosing my coverage end of june. im waiting for my ssd but ill be 65 in oct can i still get medicare before i get disability ?
By Ron on June 12, 2017
I turn 65 on Oct 10, 2017. I am retired and currently have insurance through ACA. I would like to start Medicare A, B, D, and a medical plan on Jan. 1, 2018. When would I need to sign up?
By Donna on June 07, 2017
My husband turns 65 at the end of October 2017. He does not plan on retiring yet. I am not working and do not turn 65 until 2025. I am covered under his insurance on his job. What steps would you suggest he takes in the coming months? Thank You
By Lin on June 05, 2017
I believe the last comment deserves a correction. If a person's 65th birthday is on August 1, their Medicare (if they are receiving Social Security benefits and are automatically enrolled into Medicare or if they apply early enough) will become effective on July 1 - the month PRIOR TO the birth month. For any birth date other than the first, Medicare becomes effective on the 1st of the birth month.
By Frank on June 03, 2017
My friend enrolled onto Medicare Part A&B 3/1/17 and wants to sign up for a Part D plan and Medigap plan for 7/1/17. Will he still be in his IEP for the Part D plan if he is signing up this week - the 3rd month of his IEP for 7/1? He still is on an employer plan and is terming that on June 30th. Thanks!
By Joel on May 27, 2017
I am 62 and turn 65 in August of 2019. I am currently employed full time. While I am very unhappy at my job I do have great benefits. I know that COBRA coverage lasts for 18 months and I am happy to pay for it, but I just want to know what is the earliest specific date I can leave my job to insure that I will have continuous COBRA coverage until Medicare kicks in. Thank you!
By Paul on May 23, 2017
I turn 65 on December 23, 2017. I am currently on an Obama Care plan. Will I be automatically enrolled in Medicare and it will start on December 1, 2017? I plan on starting and receiving my first Social Security check in January 2018. If my Medicare starts on December 1, 2017, will I be billed for that first month, or will it be deducted from my first Social Security check?
By Carol on May 10, 2017
I will turn 65 on July 25th, 2017. I am retiring from teaching at the end of this school year. My health insurance is effective through August 31, 2017. I applied for Medicare Parts A and B, and clearly indicated that I wanted Medicare to begin on September 1st. When I received my letter from Soc Sec a few days ago, it stated July 1 as my start date. I called my local Soc Sec office and they said it cannot be changed! They suggested that on July 1, I use Medicare as my primary insurance and my current coverage as secondary. This makes no sense. Why should I pay for 2 months of Part B when my current plan covers me through August 31? Also, through the teacher retirement board, a plan for Medicare Part D is offered and I will apply for that around my birthday. What can I do about getting my Medicare Parts A and B to begin 9-1? Thank you.
By David on May 04, 2017
I am retired and turn 65 on May 7, 2017. I am not automatically enrolled in Medicare because I retired with a Civil Service pension instead of Social Security benefits. I plan to apply on-line for Medicare Part A on May 5, 2017. Will Part A take effect on May 1 or June 1? Also, I plan on delaying enrollment in Medicare Part B but still enroll within my IEP. Say I was to apply on-line for Part B on June 5. That would be less than 1 month after my 65th birthday but would be the next month after I turn 65. Would my Part B (with premiums charged) take effect on July 1 or August 1?. Can you give me the month Part B (with Premiums charged) would start if I were to apply on July 5 or August 5? Please be specific on dates. Don't just refer me to the chart above with no dates. Thanks for your help..
By Mike on April 26, 2017
So I got some answers from SSA. Your table would make sense compared to what SSA told me if the lower entries in the columns "When you sign up for Medicare" and "Your Medicare coverage would begin" were: "The month you turn 65", "On the first day of the month after you sign up"; "The month after you turn 65", "on the first day of the second month after you sign up"; The second or third month after you turn 65", "on the first day of the third month after you sign up". Also noteworthy from that conversation is that Medicare billing/payment is on a full month basis, i.e. it is not pro-rated based on the day you sign up. If you are covered for a month, you will pay for that month. I hope this helps others. If you think I got any of this wrong, please cite a source. I couldn't get SSA to point me to a source document of their own for this information.
By Mike on April 17, 2017
Thanks for the reply. However, you didn't answer any of my questions. I was hoping you could answer so that I didn't have to spend a long time waiting for SSA to reply to the same questions, and that others might benefit from seeing an answer to the questions without having to ask them for themselves.
By Mike on April 17, 2017
Background: Presume I turned 65 on March 15, 2017. Retired, but currently have good coverage through former employer as a retiree. Hope to add Medicare Part B as late as possible without incurring a permanent penalty. I understand this translates to applying sometime in June 2017. Based on Medicare page (https://www.medicare.gov/sign-up-change-plans/get-parts-a-and-b/when-coverage-starts/when-coverage-starts.html) my coverage would then start three months after I sign up. So, if I sign up on June 2nd, would coverage start September 1, September 2, or October 1? Again, if I sign up on June 2nd, what months of coverage will I have to pay for, September forward, or October forward. What If I sign up on June 20th, are answers the same?
By Michelle on April 06, 2017
I will be 65 on June 5, 2017. My part B coverage will be effective June 1, when will first premium be deducted? I also have full medicaid do i still need to sign up for an Advantage plan or Medigap plan with Part D. I also qualify for extra help with part D coverage
By Gary on April 05, 2017
I turn 65 in October of 2017.I currently carry the health insurance for my wife and myself through my employer.When i take Medicare my wife will be going to her employers health plan. To coordinate this I wanted to be on Medicare January of 2018. In reading the above info would I apply in November of 2017? Or when?
By Gary Jay on March 30, 2017
My 65th birthday was February 1, 2017. I am covered by a group plan through my husband. If I sign up for Medicare Part A only on April 1, 2017 when is the effective coverage for Part A for me?
By Patrick McDonald on March 24, 2017
At what age does medicare start for a male and at what age for a woman? I thought it was 62 for a female and 65 for a male.
By Sue on March 24, 2017
I will turn 65 in feb 2018. I have insurance thru by job. What if I loose my job before that. When can I get Medicare. What is Medicare A, B and medigap
By Linda Doyle on March 13, 2017
My husband and I have not applied for Part B as we have coverage through his employer. We now want to apply for Part B. The last day of coverage from his employer will be March 31, 2017 and we would like to have Part B become effective April 1, 2017. If we submit the forms prior to April 1 will we pay premiums for March or will they begin in April?
By Jason on March 10, 2017
If social security restarted my part b after it was cancelled, is there ever a time when part b can start in the middle of the month
By Stanley Nuckles on February 28, 2017
Everything I'm reading here says I should have signed up for Medicare Part A when I turned 65. I'm still working and have insurance coverage thru my employer. What's the benefit of signing up for Part A and should I signup now or wait until I retire?
By Jeanne on February 12, 2017
I enrolled in an HSA on Dec 1, 2016. I turn 65 on Dec 22, 2017. Will the automatic Medicare enrollment interfere with the taxing of my HSA contributions in 2016 or 2017.
By Lynn on January 14, 2017
My employment ended Jan 3, 2017; my insurance will end Jan 31, 2017. Can I enroll in part B coverage effective Feb 1, 2017?
By Bill on December 20, 2016
My birthdate is Feb 1, 2017 and I will be 65. I have called and gotten 2 different answers regarding when my medicare benefits will begin? Is it Jan 1, 2017 or Feb 1, 2017?
By Terry on November 01, 2016
My wife turns 65 on July 19th of 2017. Is she able to sign up for medicare advantage plans 90 days prior or is there a different date to sign up?
By RAJ BUDUGUNTAE on October 25, 2016
if my birthdate is 04/16/1952 can i qualify and enroll for medicare on 04/01/2017
By Mary Elizabeth Jordan on September 05, 2016
My DOB 03/29/1951. I have Part A already. I am still working so i did not get Part B yet. I want to start receiving my Part B. I will be 66 in March. What is my timeline for signing up for Part B and when would i start receiving my SS check ? Thanks and have a blessed day.
By Lynn schmidt on March 11, 2016
I have deferred enrollment for Medicare coverage due to I have coverage Thru work for both myself and my husband. I plan to have him enroll at the same time he collects SSI,and Medigap .which would be Dec2016 when he turns 66,I also at this time want to enroll in medigap when I turn 65 .my birthday is September 11 2016. We have Cigna HDHP with HsA.Do I enroll first withmedicare B for husband ?How long after do I enroll him in Medigap Plan F?i don't want a lapse in coverage.
By Henry on March 03, 2016
I'm 68 already have Medicare Part A, but declined Part B because I have coverage through the VA. I was diagnosed with prostate cancer last month and would like to go to a non-VA doctor. Can I do this? Do I have to sign up for Part B? And, when will my coverage begin.